Search Site
Menu

Homeowner’s Insurance: Coverage for Injuries Not on the Premise

Homeowner’s insurance coverage covers your home and your assets from certain loses that may occur. But what about injuries to someone else? What about injuries to someone else not on your property?

Injuries on the Property

Homeowner’s insurance typically includes liability coverage to the homeowner for injuries sustained by someone while on the homeowner’s property. A common example is someone falling on your property and becoming injured. We discuss slip and fall coverage in more detail here.

Injuries Off the Property

Homeowner’s insurance policies also cover injuries caused by the insured or a family member while not on the actual premise that is insured. The most frequent injury example we see is dog bites. A homeowner’s insurance policy will likely cover the homeowner if his or her dog attacks or bites someone, even if the bite or attack occurs off their property. We discuss dog attacks in more detail here.

Injuries Caused by Intentional Acts Where Harm was Unintentional or Not Reasonably Foreseeable

While the typical homeowner’s policy provides coverage for injuries caused by the negligent conduct of the insured or a family member, policies usually exclude coverage where the injury was intended or likely to occur from the conduct. An interesting case that addresses this exclusion is State Farm Mut. Auto. Ins. Co. v. Worthington, 405 F.2d 683 (8th Cir. 1986).

In that case, the homeowner intended to scare off several boys whom he believed were stealing his watermelons. He fired several shots in the air to scare off the boys. One of the bullets ricocheted off a tree limb and killed one of the boys. State Farm, the insurance company for the homeowner, denied coverage on the grounds that the act of shooting the gun was intentional. The trial court agreed and denied coverage to the homeowner.

On appeal, the Court of Appeals made a distinction between an intentional act and intended or foreseeable harm. That is, the Court recognized that while shooting the gun was intentional, the homeowner did not intend to harm the boy and that it was not likely the boy would have been harmed by shooting the gun up into the air. The Court held that the homeowner’s insurance policy provided coverage to the homeowner for the shooting.

It is also worth noting that homeowner’s insurance coverage almost always includes language to exclude coverage for harms caused by a motor vehicle. That is why it is very important to have ample motor vehicle insurance to protect you from any possible lawsuits.

If you or a loved one has been injured by a slip and fall, dog attack, or an unintentional injury you will be well-served by consulting lawyers experienced in handling such claims, such as us here at Curcio Law. To schedule a free consultation, call us at 703-836-3366 or contact our Alexandria office online.

OUR RESULTS
  • "$2,000,000.00 Auto Pedestrian Hit by Car / Brain Injury"

  • "$2,000,000.00 Pedestrian Hit By Bus / Broken Foot, Surgery Complications & Partial Choroidal Detachment"

  • "$2,000,000.00 Wrongful Death Settlement"

  • "$1,900,000.00 Pedestrian Hit By Truck / Fractured Pelvis & Multiple Surgeries"

  • "$1,500,000.00 Auto Accident / Wrongful Death"

  • "$1,200,000.00 Auto Accident / Broken Neck, Punctured Lung"

  • "$847,500.00 Dangerous Dog Bite / Facial Injury, Scarring"

  • "$600,000.00 Tractor Trailer Crash / Neck Injury, requiring surgery"

  • "$595,000.00 (Jury Verdict) Auto Accident / Broken Foot"

  • "$546,905.00 Auto Accident / Neck injury, Herniated Disc"

Meet Our Attorneys
Our Awards & Memberships
  • Three best rated
Client Reviews
  • google
    5.0/5.0

    I couldn’t have been happier with Tom’s representation. He has excellent judgement, decades of experience, and really stays on top of things. He’s one of the best.

    Read more

    Laurie Blackburn

  • google
    5.0/5.0

    I'm writing this review not because I just want to wright down some lame story but why people should chose this law firm. On May 22nd 2022 I was involved in an auto accident and the person who hit me totaled my vehicle and I ended up going to the hos...

    Read more

    Chris Palacios

  • google
    5.0/5.0

    Thomas (Tom) Curcio was my lawyer. He took over for a friend of his. The case had been ongoing for almost 2 years. Once Tom took over, the case was settled within a year. When we met, he told me his plan of action and asked if I was ok with it. He ke...

    Read more

    Michelle Johnson

  • google
    5.0/5.0

    I highly recommend Curcio Law, which helped me after my accident. The whole team, especially Rakin Hamad, were attentive to my needs and kept me well informed on the process and my options. They have been great to work with.

    Read more

    Brandon Smit

  • google
    5.0/5.0

    I worked with Rakin Hamad to settle a personal injury claim following a car accident. He was patient, kind, informative and accessible continuously throughout this process. I felt comfortable and supported throughout the year and a half working with ...

    Read more

    Liz Capeless

See all reviews
Contact us

Quick Contact Form